Thoughts on closing a 12year old credit card | SpinGraph: None
SpinGraph analysis of Reddit r/CreditCards's Thoughts on closing a 12year old credit card story: none, none, Spin Score 0%, low AI repetition risk.
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Thoughts on closing a 12year old credit card
credit score, account closure, credit utilization, credit history length
User holds a 12-year-old inactive credit card solely to preserve credit history length. They now use newer cards with superior rewards and benefits. Question centers on credit score sensitivity to account closure given high score and long-standing account.
Emphasizes personal context (score, tenure, usage) without amplifying, softening, deflecting, or obscuring. Minimizes nothing — it simply lacks claims requiring spin.
A Reddit user with an 810 credit score asks if closing a 12-year-old unused credit card will hurt their score.
Credit limit, balance, credit mix composition, recent inquiries
No credibility signals are deployed because none are needed — the post relies solely on authenticity and specificity (score, age, bank name, usage pattern) to establish legitimacy. There is no tension between claims and validation because no definitive claim is asserted.
Closing a 12-year-old credit card will affect my 810 credit score.
I have a 810 credit score. If I close this acct will it really affect my score that much?
Extracted statistics from the source narrative